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that is nonsense. The aftermarket is 1/3rd the price of the OEM, squarely under your deductible amount- the insurance CO pays less if anything at all.
The glass guy gets a chance to sell a $179.00 windshield for your deductible ($500) and you get screwed.
Price it from the dealer and get "insurance replacement" pricing, and yell until you get what you want. From what I understand, unless your windshield is just plain old glass and doesn't have sensors or whatnot, you WANT OEM on your car. For some reason, BMW and late Benz no one in aftermarket can make a windshield that works correctly (rain sensing for instance)
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